Kinds of Banks
& g; n+ q8 K% k" q. O 银行的种类
9 K7 I1 q) T; F Situation 10 # s9 ]5 U8 S* J- u: E* L
情景 10
* q+ I0 E2 S! y3 u Mary Smith’s boy-friend ,Tom Brown ,is a clerk at the FirstNational Bank .He and Mary are talking about the different typesof banks and bank services .
% o" P9 E* o8 o 玛丽·史密斯的男朋友汤姆·布郎是第一国民银行的职员,他在和玛丽谈论各种不同类型的银行和银行的各种业务。
) n- l( x9 z; N! ? Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same? - N# H5 L' i: {$ R
史密斯:我不明白你所说的商业银行是什么意思,汤姆,所有银行不都是一样的吗? 8 @& c5 g# ?+ y% ~
Brown :No ,there are different types of banks ,Mary .
+ L7 {3 y" F w# K0 L1 k 布郎:不是的,有着各种不同类型的银行,玛丽。
3 _) r, k, Y9 @3 [5 a# U Usually the word bank refers only to the commercial banks like the one I work for . 0 p; Q" u0 B- a/ @. [
通常讲“银行”这个词仅仅是指商业银行,就象我工作的这家银行一样。
2 `* P" r: u# C# |) q g They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans . * f2 C: b5 ~! E1 C2 @" ]
这种银行提供支票和储蓄全套的服务,并从事各种类型的贷款事宜。 ! i$ r) ]1 O) E* r6 |3 D
S:Well,what other kinds of banks are there?
8 L2 f4 @. S, e. J 史密斯:噢,那么还有哪些类型的银行呢? ( J2 I! g; F6 D7 k2 B
B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation . ! ?9 z, l% O4 Q' G3 R K' z
布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”, 5 a+ v x2 ~5 R7 S
Some people call them Savings Banks,but they are technically not banks . ) t2 R/ [" L4 }$ L2 L
一些人称它们为储蓄银行。但是,从法律上讲,它们并不是银行, ' i4 i/ O& `% M8 x3 H
They specialize in long-term savings accounts and usually lend money for mortgages.
& s6 p# k! N/ i8 U: ` 而是专门办理长期储蓄存款户头,通常把钱借出去做为抵押。
+ s7 R0 ]5 R0 Q1 S/ R4 }3 n* Y S:What about mutual Savings Banks?What does that mean?
: ]: D2 |( \" d2 W& S, G7 U 史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢?
* H' Z3 z L$ y B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders .
! U$ C' d0 l1 R# h3 [ 布郎:那是一些特殊的储蓄协会,像储蓄和贷款协会一样,是归储户所有,而不是属于股东所有。 & F( ]2 ~3 x! f3 e5 a3 }
Usually they specialize in mortgages ,too.
# w+ U H. }1 z: z, S 通常,它们也是专门从事抵押业务。
3 h. z/ P9 Y( s0 v S:Why don’t they offer checking accounts like your bank does ?
% X: x6 P/ V/ J2 b' K3 L w 史密斯:它们为什么不象你们的银行一样提供支票帐户服务呢?
: P6 k) \1 y4 B3 Z B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts.
: Y, k3 b# z4 S/ v" h! _/ r 布郎:各种银行是为不同的目的而建起来的,因此它们无权提供支票帐户,
, t2 V" f" `; d. {7 N That’s a function for commercial banks only .
' ]( s. c* _4 B. M* [ 只有商业银行可以有这种业务。 $ O, y; P8 k' e' I3 i9 B6 S. _
S:What’s a long-term or industrial bank? * M/ L9 F& d# }9 t4 c) b
史密斯:什么是“长期银行”或“工业银行”? ) K5 x+ L" J) p! G' ~! Y2 s# f% O
B:That’s a special bank for industrial development .
) @4 t( Q# |* j4 K- T1 | 布郎:这是为工业发展而设立的专业银行。 |